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Amigo Holdings (AMGO) investor relations material

Amigo Holdings H2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H2 2025 earnings summary2 May, 2025

Executive summary

  • Nearing completion of legacy business wind-down, with £194m delivered in cash redress and refunds to Scheme creditors.

  • Ceased new lending since March 2023; focus is on orderly wind-down and search for a reverse takeover partner.

  • Final payment to Scheme creditors made in March 2025; Amigo Loans Ltd to be liquidated within weeks.

  • Capital raise in April/May 2024 provided limited runway; current resources expected to last until early July 2025.

Financial highlights

  • Revenue fell to £0.1m for the twelve months to 31 March 2025, down from £3.5m year-over-year.

  • Cash and cash equivalents decreased to £38.8m from £174.9m year-over-year, mainly due to Scheme redress payments.

  • Administrative and operating costs reduced by 67.4% to £5.8m compared to prior year.

  • Net assets reduced to nil as all proceeds from wind-down were for Scheme creditors.

  • Loss for the period was £0.2m, a significant improvement from £12.6m loss in the prior year.

Outlook and guidance

  • Directors continue to seek a reverse takeover or further investment; without it, liquidation is likely and shareholders will receive no value.

  • Current resources projected to last until early July 2025; additional funds needed to avoid insolvency.

  • Amigo Loans Ltd expected to enter liquidation by end of May 2025.

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Frequently asked questions

Amigo Holdings PLC, based in the United Kingdom, was known for providing guarantor loans, specifically catering to individuals who had difficulty accessing traditional financial services. The company was active in offering these services from its inception in 2005 until 2020, and it briefly ventured into unsecured loans under the RewardRate brand starting in October 2022. However, as of 2023, Amigo Holdings has ceased offering new loans. The company is headquartered in Bournemouth, United Kingdom, and its shares are listed on the London Stock Exchange.

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